2Chris Chudacoff brings more than 30 years of experience in the mortgage industry to every client he works with at True Point Lending, based in Laguna Niguel, California. He’s built his reputation on being a mortgage partner who actually picks up the phone - walking clients through every detail of the loan process personally, rather than handing them off.
In addition to traditional purchase and refinance lending, Chris has built specialized expertise in an area many brokers avoid entirely: loans to irrevocable trusts and estates in probate. He is one of California’s leading providers of third-party loans that allow beneficiaries to satisfy Proposition 19 distribution requirements - without being forced to remove the property from the trust first, a hurdle that disqualifies many families working with other lenders. On average, his trust and estate lending clients save over $6,300 a year in property taxes by preserving a parent’s original tax basis.
Chris also hosts a YouTube channel and podcast where he sits down with estate planning attorneys, probate specialists, real estate agents, and wealth managers to help families understand what really happens when a loved one passes property down.
Licensed in California (NMLS #18812370, DRE #02094603), Arizona (Lic #1026102), Idaho (Lic #MLO-2080287900), and Texas (SML - Nationwide Loans, Inc, NMLS #1799965). Chris and his team are based at 28202 Cabot Road, Suite 300, Laguna Niguel, CA 92677.
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